Auto Insurance is legally required in most states of US. Any person who drives a car must have basic liability coverage as mandated by the state. State’s minimum liability and property damage coverages are two of the most important coverages you need to be sure to have in order to drive legally. In case if you don’t have it, you risk losing your driver’s license. Besides, you will have to pay fines for not having Auto Insurance. You also risk having other various penalties, if you get in an accident without any liability coverage.